Probably the number one stress of American’s is finances.  We’re strapped, struggling, and tired.  It seems like we work, work, work, and still there is just a little or no money left at the end of the month.  Why? 

We all want to know how to be successful financially.  Whether we want to admit it or not, money does make the world go around and deep down we all want to know how to be rich.

We live in a country that has TONS of literature on how to be financially fit, how to save money, and how to make money.  Why are so many people struggling year after year after year 

Experts tell us there are many reasons. Most of us want to blame the economy but I do believe that many struggle due to poor financial habits and financial illiteracy.

It does not take a genius to come out ahead at the end of the month and become financially fit and successful. Despite your monthly income, it is possible if you’ll just take 10 minutes a day and dedicate it to becoming financially wise and responsible.


Budget, budget, budget!  I can’t say it enough.  Maybe you think budgeting is for kids or those who are really struggling, but I think that everyone should have a written down budget.  You need to see how much money you are bringing in and where that money needs to go each month.

Sit down and create your list of income and expenses.  Make the figures work as best as you can.  You may have to cut back in some areas or get a second job to make the budget workable.  For example, if you spend $30 a month at Starbucks but can’t pay your phone bill each month, you need to cut Starbucks.  If you don’t make enough to pay your bills, get a second job. Period. 

Now that your budget is done, take 5 minutes each day to track the money you’ve spent.  Do this daily.  You need to realize where your money goes on a daily basis.  Spending $80 a week on eating out?  You might not notice this if you don’t track your money.  To make great strides toward financial responsibility you have to make the effort to being a wise steward of the income that you make.

Educate Yourself

The next thing that I want you to do is to take 5 minutes a day learning about  personal finance and how to be successful.  If you will dedicate time daily for this, I assure you that you will begin to see a difference in your financial picture.  Read motivational and educational blog articles, listen to financial tips, talk about finance, and commit to changing the way you think about money. 

There are plenty of websites and blogs that are dedicated to helping you become financially successful and free.  By spending 5 or more minutes a day filling your mind with financial wisdom you are becoming more responsible for your financial future.  Invest in your future!

Ten minutes a day may not seem like much, but it adds up.  You may just find yourself even spending more daily time devoted to improving your financial life.  Finding financial freedom takes diligence, planning, and action.  It may not be easy, but it is entirely worth the effort.  Don’t put off taking responsibility for your financial success any longer. You can do it!